ALBANY, N.Y. (AP) — The Cuomo administration has proposed extending out-of-network coverage requirements for emergencies and specialists to all health insurers in New York in what it says is an effort to protect consumers from big surprise medical bills.

The requirements currently apply to health maintenance organizations and 16 insurance plans in New York’s new health exchange, according to the state Department of Financial Services. When a network lacks an available specialist, patients could get treated elsewhere and pay only their usual insurance fees.